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Their email stated that they would contact those who have been breached. It appears that everyone was breached. I think that means that they will try and hide t

by jamra 12y ago

Their email stated that they would contact those who have been breached. It appears that everyone was breached. I think that means that they will try and hide the care package (1 year of free credit monitoring) in snail mail so they don't have to pay out. I already locked my credit and now I'm thinking it's time to freeze my credit so no one can take out new lines without me unfreezing it or increased authentication. I am learning how this is all working, but if you think about it, it's silly to wait for a breach to have your data locked down.

uptown 12y ago
How do you lock and freeze your credit?
- FtcFaq 12y ago
  http://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes http://www.consumer.ftc.gov/articles/0279-extended-fraud-ale... Ftc has the best info for this sort of thing
- spear 12y ago
  You pay a one-time fee to each of the three credit bureaus. The fee varies by state (around $5-$10, may be less for seniors, usually free for identity theft victims). You can do this online. If you need to unfreeze (eg. applying for a new credit card or a loan), you need to pay another fee per credit bureau, so you should find out which bureau will be used. You can unfreeze permanently, unfreeze for a short time period, or get an authorization code that you can give to whoever needs to check your credit report.
  - jamra 12y ago
    From one of the readings, contacting one bureau should be enough. They are obligated to contact the other two.
    - stevewepay 12y ago
      No, this is in the case of fraud, and then unlock it after 3 months. If you want it frozen until you rescind it, it costs $10 per bureau, but there may be an exception for fraud.
- jamra 12y ago
  Someone posted this on HN earlier.. https://www.privacyrights.org/how-to-deal-security-breach https://www.privacyrights.org/how-to-deal-security-breach In addition to reading that, I signed up for one of those credit monitoring/protection sites. The one I chose was TransUnion, but I'm still learning about this stuff. I suggest you look around.

by jamra 12y ago

uptown 12y ago

How do you lock and freeze your credit?

FtcFaq 12y ago
http://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes http://www.consumer.ftc.gov/articles/0279-extended-fraud-ale... Ftc has the best info for this sort of thing
spear 12y ago
You pay a one-time fee to each of the three credit bureaus. The fee varies by state (around $5-$10, may be less for seniors, usually free for identity theft victims). You can do this online. If you need to unfreeze (eg. applying for a new credit card or a loan), you need to pay another fee per credit bureau, so you should find out which bureau will be used. You can unfreeze permanently, unfreeze for a short time period, or get an authorization code that you can give to whoever needs to check your credit report.
- jamra 12y ago
  From one of the readings, contacting one bureau should be enough. They are obligated to contact the other two.
  - stevewepay 12y ago
    No, this is in the case of fraud, and then unlock it after 3 months. If you want it frozen until you rescind it, it costs $10 per bureau, but there may be an exception for fraud.
jamra 12y ago
Someone posted this on HN earlier.. https://www.privacyrights.org/how-to-deal-security-breach https://www.privacyrights.org/how-to-deal-security-breach In addition to reading that, I signed up for one of those credit monitoring/protection sites. The one I chose was TransUnion, but I'm still learning about this stuff. I suggest you look around.